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Product Details
Highlander
Company social profile:
Product Name
Highlander
Annuity Type
FIA
Issuing Insurance Company and Ratings
Clear Spring Life and Annuity Company
Ratings
Product Information
The Highlander™ is a single premium deferred fixed Indexed annuity offering: Multiple crediting strategies and a fixed interest rate strategy. A 10 year Surrender Charge schedule. A Market Value Adjustment(MVA). Not available in all states. A 10% Premium Bonus(subject to a recapture schedule) credited to first year premium. An optional Lifetime Withdrawal Rider(with charge).
Key Features
Premium Types: 1st Year or Less
Minimum Premium: $10,000 NQ / $5,000 Q
Maximum Premium: $1,000,000
Free Look Period: 30 Days
Rate Lock Period: 45 Days
Rates
Effective Date: 01/03/2026
Initial Guarantee Period: 10 years
Next Change: 04/01/2026
Premium Amount: $100,000 - See Notes (High-Band)
3 Year Guarantee Period Annual Yield:
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Premium Amount: $10,000 NQ / $5,000 Q - $1,000,000
Current
10 Year Guarantee Period Annual Yield:
3.60%%
Interest rate start of year 1 through end of year 10:
3.60%%
Accumulation Value (assuming no withdrawals)
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
Premium Amount: $100,000 - See Notes (Low-Band)
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
State Approvals
Not available in GU NY VI
Withdrawal Provisions
First Year Withdrawals: No
Withdrawal Years 2+: 10%
Wait Period Interest Only : 1 Year
Withdraw from the accumulation Value After : One Year
Minimum Policy Value : $5,000
Withdrawl Calculated On: Accumulation
Date For Calculation: Issue
Systematic Withdrawl: Yes
Min Withdrawl Amount: $500
Cumulative Free Withdrawl: No
Eligibility & Restrictions
Age Limits(Owner and Annuitant): 80 years old
State Restrictions: Not available in GU NY VI
